Kevin and Carli Spradlin at Ultimate Home Lending

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

01/25/2024

The more you know! Here are the latest stats for Lehi, UT. If you've got questions about the pre-approval or the loan process, send us a message or if you want to learn more about the current market, We can connect you with expert agents who can help!

09/26/2022

The truth is, buying a fixer-upper may be a cheaper way to become a homeowner, but renovating it can often push your overall price tag into the same range as buying a move-in-ready home.
Find out more: http://ms.spr.ly/6181jhJC5

09/26/2022

09/23/2022

You don’t want to juggle two mortgages if your home doesn’t sell quickly, but if you wait to sell first and don’t have your new home, where will you go? Here’s how to avoid that. http://ms.spr.ly/6188j76No

09/22/2022

There’s a reason the most top Loan Officers work here. *Now more than ever, you need to join the best: http://ms.spr.ly/6185jAyBV

09/22/2022

Today let's celebrate golden leaves as crisp as the autumn air. Happy

09/21/2022

"The softness in home sales reflects this year's escalating mortgage rates. Nonetheless, homeowners are doing well with … home prices still higher than a year ago." - Lawrence Yun, Chief Economist at the National Association of REALTORS® http://ms.spr.ly/6183jfRfd

09/21/2022

Today let's all reflect on how much more alike we are than different. Happy

09/20/2022

Tired of feeling left out of the loop? With our Loan Status Monitor, you’ll know exactly what’s going on with every customer. Stay updated: http://ms.spr.ly/6188j4Bee